Looking to upgrade my router when I get my new business line installed. These two caught my eye for affordable with a ton of options. ZyXEL ZyWALL USG20W - Looks decent for all in one with wifi. ZyXEL ZyWALL USG50 - More options specifically "security" options, not sure I would have a need for them? (I`m not paying yearly for anything.) Are the additional virus/malware/etc security on the USG50 worth it? I won't be connecting to an office or network elsewhere to increased VPN clients/options are not important. If I do go with USG50 I'd have to use my old router as a wifi AP which I`m OK with too.